What is a
If you can’t wait until your next payday for the cash you need, a cash advance is an easy way to access the money you have coming to you in a future paycheck or annuity payment as soon as tomorrow*! Maybe you’re short on funds this month, or have run into unexpected expenses. A cash advance form FlexAdvance.com can get you the cash you need in as soon as tomorrow*, if approved. Simply by filling out our online form, a process that takes just minutes, you could have instant approval and as much as $1000 in cash on its way to your account as soon as tomorrow*.
How can a
Cash Advance Help Me?
A cash advance from FlexAdvance.com allows you to access funds you already have coming to you in the form of your next paycheck. You can use a cash advance for a variety of reasons:
- A cash advance can help you pay bills or meet other financial obligations if you find yourself short on cash at the end of the month.
- A cash advance allows you to pay for unplanned expenses such as travel or a purchase that needs to be made immediately.
- A cash advance can allow you to pay for an emergency expense such as an auto or home repair, or dental emergency.
If approved, you could have as much as $1000 in your hand as soon as tomorrow*, allowing you to meet your financial obligations with confidence!
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The following disclosures are presented to you pursuant to the terms and conditions of our service agreement with GOOGLE, Inc. They are not required by any federal, state or local laws. They are provided to you as informational services only and may not be construed as legal advice. We are not the lender and do not have access to the full terms of your loan.
The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution if you are facing long term debt and credit difficulties, and should not be used on a long-term basis. You should only borrow an amount that can be repaid on your next pay period date.
The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APR. By law, the lender must show you the APR before you enter into the loan. Many states have laws limiting the APR that the lender can charge you. APRs vary from 19%-420%. Loans from a state which has no limiting laws, or loans from a bank not governed by state laws may have an even higher APR. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.
Our participating lenders may verify your social security number, driver's license number, national ID, or any other state or federal identification and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. Participating lenders will typically not perform credit checks with the three major credit reporting bureaus. If they do, please know that multiple inquiries on the three national databases, Equifax, Transunion, and Experian may result in lowering your credit score. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your application and information on this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.
Each participating lender has their own renewal policy. Some participating lenders will automatically renew your loans or will require your permission to renew your loan. Some participating lenders will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if your lender automatically renews loans or requires your permission to renew the loan. State laws often govern loan renewal policies. Be sure to know your state's policies in regard to loan renewal and carefully read the lender's terms before agreeing to and submitting your e-signature.
Implications of Late Payments:
Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.
Implications of Non-Payment & Collection Practices
If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs as well as negative credit reporting. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:
- Not contacting you by phone before 8 am or after 9 pm.
- Not harassing you or using abusive language towards you over the phone.
- Not using deception to try to collect money from you.
- Not threatening you with legal action if it is not permitted.
We are not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments.